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Understanding Islamic Bank | Function Islamic Bank | History of Islamic Banking | Islamic bank is a bank that its banking system adheres to the principles in Islam. Islamic bank is a bank that is envisioned by the Muslims. Furthermore, the experts give their opinions about the notion of Islamic banks below.
According to Sudarsono Understanding Islamic Bank, Islamic Bank is the country's financial institutions that provide credit and other services in payment traffic and circulation of money which operate using the principles of sharia or Islamic.
According Perwataatmadja, Understanding Islamic Bank is a bank that operates under Islamic principles (Islam) and its operation is based on the provisions of the Koran and Hadith.
Siamat Dahlam argued Understanding Islamic Bank, Islamic Bank is a bank that is doing business based on Islamic principles that are based on the Quran and hadith.
Pengerian Bank Syariah according Schaik, Bank Syariah is a form of modren bank based on Islamic law, which was developed in pertenganhan century of Islam by using the concept of risk as the main system and negate the financial system which is based on the certainty and advantage predetermined.
In Law No.21 of 2008 concerning Islamic Banking express the sense of understanding of Islamic banking and Islamic banks.Islamic Banking is everything related to Islamic banks and Islamic business units, covering institutional, covering business activities, as well as procedures and processes in carrying out their business activities.Islamic Banking is the bank conducting its business activities on the basis of sharia prisnsip and by type of Islamic banks consist of BUS (Commercial Bank), UUS (Sharia) and SRB (Bank Rakyat Syariah Financing),
Islamic Bank is a bank whose activities refers to Islamic law and the activities do not charge interest or not pay interest to clients. Islamic bank remuneration received or paid to the customer depending on the contract and the agreement is done by the customer and the bank. Agreement (contract) contained in the Islamic banking should be subject to the terms and the pillars of the contract as stipulated in Islamic Shari'a.
Commercial Bank shari'a that stands alone in accordance with the deed of establishment, it is not part of a conventional bank. Some examples of Islamic banks, namely Bank Syariah Mandiri, Bank Syariah Bukopin, Bank Muamalat Indonesia and others.
Islamic business unit is a unit that is still under the management of conventional banks. Sharia business unit (UUS) is a unit of the conventional bank head office which serves as the head office of the office or unit conducting business based on sharia principles (Islam), or a unit at the branch office of a bank domiciled abroad who carry out conventional business that serves as the parent office of sharia branch offices or sharia units. Examples of Sharia Business Unit (UUS) BNI Syariah, BII Syariah and others.
Islamic banks have different operating systems with conventional banks. In Islamic banks provide interest-free service to its customers. Islamic banks in the operational system, withdrawal of interest is prohibited in all forms of any transaction. Islamic banks do not recognize the name of the system of interest, both the interest earned from the customers who borrow money or interest paid to depositors in Islamic banks.
| Function Islamic Bank |Talking about the function of Islamic banks, Islamic banks have three main functions, namely the function of Islamic banks to raise funds from the public in the form of deposit and investments, the function of Islamic banks to channel funds to communities in need of funds from the bank, and also the function of Islamic banks to provide services in forms of Islamic banking services.
1. Function Islamic Bank to Raise Community FundThe first Islamic bank whose function is to collect funds from the public that the excess funds. Islamic banks collect or collect funds from the public in the form of a deposit using al-wadiah contract and in the form of investment using al-mudaraba contract.Al-wadiah is an agreement between the first (community) with the second party (the bank), where the first party to entrust their funds to the bank and the second party, merima bank deposit entrusted to take advantage of the first party in the transaction is allowed in Islam.Al-mudarahbah is an agreement between the parties first have the funds then invest funds to other parties which can utilize the funds that invest in specific purposes allowed under Islamic Shari'a.
2. Functions Islamic Bank as Distributor Fund CommunityThe second function of Islamic banks is to channel funds to communities in need. Communities can obtain financing from Islamic banks as long as it can meet all of the terms and conditions that apply. Channelling of funds is a very important activity for Islamic banks. In this case the Islamic bank will earn a return on the funds disbursed. Return or income earned on the distribution of funds of Islamic banks is dependent on akadnya.Islamic banks to channel funds to the community by using a variety of contract, including sale and purchase agreement and a partnership agreement or cooperation effort. Dalamakad purchase, then return the bank obtained on the distribution of the funds is in the form of profit margins. Keuntukngan margin is the difference between the selling price and the purchase price to the customers of the bank. Revenue earned from the activity of the distribution of funds to customers who use the business cooperation contract is the result.
3. Functions Islamic Bank provide Bank ServiceIslamic banks function in addition to raise funds and distribute funds to communities, Islamic banks provide banking services to its customers. Islamic bank services is provided in order to meet the needs of the community in carrying out its activities. Services to customers is a function of three Islamic banks. Various kinds of products of services that can be provided by Islamic banks include money transfer services (transfer), book-entry, billing and other securities.Activity of service is expected by the activity of Islamic banks to increase bank revenue derived from fees on bank services. Some banks are trying to boost information technology in order to provide services that satisfy customers. Service can satisfy our customers services that are fast and accurate. Expectations of customers in bank services is speed and accuracy. Islamic banks compete to innovate to improve product quality of service services. With these services, then the Islamic bank rewarded with a so-called fee-based fee income.
| History of Islamic Banking |Speaking about the history of bathtubs sharia, Islamic banks in Indonesia were born since 1992. The first Islamic bank in Indonesia is Bank Muamalat Indonesia. The development of Bank Muamalat Indonesia is still relatively stagnant in 1992 to 1999. However since the monetary crisis that hit Indonesia in 1997 and 1998 knowledge, then the bankers seeing that Bank Muamalat Indonesia (BMI) is not too affected by the financial crisis. The bankers think that the BMI, the only Islamic bank in Indonesia that are resistant to the monetary crisis. On knowledge in 1999, stood the Bank Syariah Mandiri which is a conversion of Bank Susila Bakti. Bank Susila Bakti is a conventional bank purchased by Bank Dagang Negara, which then is converted to Bank Syariah Mandiri, Indonesia's second Islamic bank.
Establishment of Bank Syariah Mandiri (BSM) to gamble for sharia bankers. When the Bank Syariah Mandiri, the Islamic banks in Indonesia can develop Conversely, if the Bank Syariah Mandiri fails it is likely that Islamic banks in Indonesia will fail. This is because the Bank Syariah Mandiri is an Islamic bank established by the government-owned SOEs. Turns Bank Syariah Mandiri rapidly progressing. With the establishment of Bank Syariah Mandiri is then followed by the establishment of several Islamic banks or Islamic business units other.
So the discussion about the notion of Islamic banks, Islamic banks function and history of Islamic banks, hopefully my writing about the understanding of Islamic banks, Islamic banks function and history of Islamic banks could be beneficial.Source: Understanding Writing Books in Islamic Banking, Islamic Banking Functions and the History of Islamic Banking:- Ismail, 2013. Islamic Banking. Publisher Kencana Prenada Media Group: Jakarta.
According to Sudarsono Understanding Islamic Bank, Islamic Bank is the country's financial institutions that provide credit and other services in payment traffic and circulation of money which operate using the principles of sharia or Islamic.
According Perwataatmadja, Understanding Islamic Bank is a bank that operates under Islamic principles (Islam) and its operation is based on the provisions of the Koran and Hadith.
Siamat Dahlam argued Understanding Islamic Bank, Islamic Bank is a bank that is doing business based on Islamic principles that are based on the Quran and hadith.
Pengerian Bank Syariah according Schaik, Bank Syariah is a form of modren bank based on Islamic law, which was developed in pertenganhan century of Islam by using the concept of risk as the main system and negate the financial system which is based on the certainty and advantage predetermined.
In Law No.21 of 2008 concerning Islamic Banking express the sense of understanding of Islamic banking and Islamic banks.Islamic Banking is everything related to Islamic banks and Islamic business units, covering institutional, covering business activities, as well as procedures and processes in carrying out their business activities.Islamic Banking is the bank conducting its business activities on the basis of sharia prisnsip and by type of Islamic banks consist of BUS (Commercial Bank), UUS (Sharia) and SRB (Bank Rakyat Syariah Financing),
Islamic Bank is a bank whose activities refers to Islamic law and the activities do not charge interest or not pay interest to clients. Islamic bank remuneration received or paid to the customer depending on the contract and the agreement is done by the customer and the bank. Agreement (contract) contained in the Islamic banking should be subject to the terms and the pillars of the contract as stipulated in Islamic Shari'a.
Commercial Bank shari'a that stands alone in accordance with the deed of establishment, it is not part of a conventional bank. Some examples of Islamic banks, namely Bank Syariah Mandiri, Bank Syariah Bukopin, Bank Muamalat Indonesia and others.
Islamic business unit is a unit that is still under the management of conventional banks. Sharia business unit (UUS) is a unit of the conventional bank head office which serves as the head office of the office or unit conducting business based on sharia principles (Islam), or a unit at the branch office of a bank domiciled abroad who carry out conventional business that serves as the parent office of sharia branch offices or sharia units. Examples of Sharia Business Unit (UUS) BNI Syariah, BII Syariah and others.
Islamic banks have different operating systems with conventional banks. In Islamic banks provide interest-free service to its customers. Islamic banks in the operational system, withdrawal of interest is prohibited in all forms of any transaction. Islamic banks do not recognize the name of the system of interest, both the interest earned from the customers who borrow money or interest paid to depositors in Islamic banks.
| Function Islamic Bank |Talking about the function of Islamic banks, Islamic banks have three main functions, namely the function of Islamic banks to raise funds from the public in the form of deposit and investments, the function of Islamic banks to channel funds to communities in need of funds from the bank, and also the function of Islamic banks to provide services in forms of Islamic banking services.
1. Function Islamic Bank to Raise Community FundThe first Islamic bank whose function is to collect funds from the public that the excess funds. Islamic banks collect or collect funds from the public in the form of a deposit using al-wadiah contract and in the form of investment using al-mudaraba contract.Al-wadiah is an agreement between the first (community) with the second party (the bank), where the first party to entrust their funds to the bank and the second party, merima bank deposit entrusted to take advantage of the first party in the transaction is allowed in Islam.Al-mudarahbah is an agreement between the parties first have the funds then invest funds to other parties which can utilize the funds that invest in specific purposes allowed under Islamic Shari'a.
2. Functions Islamic Bank as Distributor Fund CommunityThe second function of Islamic banks is to channel funds to communities in need. Communities can obtain financing from Islamic banks as long as it can meet all of the terms and conditions that apply. Channelling of funds is a very important activity for Islamic banks. In this case the Islamic bank will earn a return on the funds disbursed. Return or income earned on the distribution of funds of Islamic banks is dependent on akadnya.Islamic banks to channel funds to the community by using a variety of contract, including sale and purchase agreement and a partnership agreement or cooperation effort. Dalamakad purchase, then return the bank obtained on the distribution of the funds is in the form of profit margins. Keuntukngan margin is the difference between the selling price and the purchase price to the customers of the bank. Revenue earned from the activity of the distribution of funds to customers who use the business cooperation contract is the result.
3. Functions Islamic Bank provide Bank ServiceIslamic banks function in addition to raise funds and distribute funds to communities, Islamic banks provide banking services to its customers. Islamic bank services is provided in order to meet the needs of the community in carrying out its activities. Services to customers is a function of three Islamic banks. Various kinds of products of services that can be provided by Islamic banks include money transfer services (transfer), book-entry, billing and other securities.Activity of service is expected by the activity of Islamic banks to increase bank revenue derived from fees on bank services. Some banks are trying to boost information technology in order to provide services that satisfy customers. Service can satisfy our customers services that are fast and accurate. Expectations of customers in bank services is speed and accuracy. Islamic banks compete to innovate to improve product quality of service services. With these services, then the Islamic bank rewarded with a so-called fee-based fee income.
| History of Islamic Banking |Speaking about the history of bathtubs sharia, Islamic banks in Indonesia were born since 1992. The first Islamic bank in Indonesia is Bank Muamalat Indonesia. The development of Bank Muamalat Indonesia is still relatively stagnant in 1992 to 1999. However since the monetary crisis that hit Indonesia in 1997 and 1998 knowledge, then the bankers seeing that Bank Muamalat Indonesia (BMI) is not too affected by the financial crisis. The bankers think that the BMI, the only Islamic bank in Indonesia that are resistant to the monetary crisis. On knowledge in 1999, stood the Bank Syariah Mandiri which is a conversion of Bank Susila Bakti. Bank Susila Bakti is a conventional bank purchased by Bank Dagang Negara, which then is converted to Bank Syariah Mandiri, Indonesia's second Islamic bank.
Establishment of Bank Syariah Mandiri (BSM) to gamble for sharia bankers. When the Bank Syariah Mandiri, the Islamic banks in Indonesia can develop Conversely, if the Bank Syariah Mandiri fails it is likely that Islamic banks in Indonesia will fail. This is because the Bank Syariah Mandiri is an Islamic bank established by the government-owned SOEs. Turns Bank Syariah Mandiri rapidly progressing. With the establishment of Bank Syariah Mandiri is then followed by the establishment of several Islamic banks or Islamic business units other.
So the discussion about the notion of Islamic banks, Islamic banks function and history of Islamic banks, hopefully my writing about the understanding of Islamic banks, Islamic banks function and history of Islamic banks could be beneficial.Source: Understanding Writing Books in Islamic Banking, Islamic Banking Functions and the History of Islamic Banking:- Ismail, 2013. Islamic Banking. Publisher Kencana Prenada Media Group: Jakarta.
